855 525 2642

FIXED INDEXED ANNUITIES

Start your retirement journey with a 6% bonus

As you navigate your journey to and through retirement, you need an investment to help you grow, protect and enjoy your hard-earned savings. The Voya Quest Plus Index Annuity not only provides equity market exposure and shields you from market losses, but also gives you a 6% premium bonus at the inception of your annuity contract. For example, if your premium is $100,000, Voya will contribute an additional $6,000 immediately to your account to jump-start your Accumulation Value to $106,000.

Growth:

Tax-deferred gains are locked in annually based on increases to a market index

Protection:

Never lose value of your investment or annual gains when the market drops

Enjoyment:

You can draw guaranteed income for life with the Voya mylncome Withdrawal Benefit

A solution for any market to provide growth and protection

The illustration below shows how a fixed index annuity provided market protection and would have increased more than the S&P [email protected] Index from 2001 to 2014.

• The FIA accumulation value
increased to $162,316

• The S&P SOO Index value
increased to $155,944

Diverse strategies with tax-deferred growth potential

To help maximize your growth potential, the Voya Quest Plus Index Annuity lets you participate in the growth of the equity market with multiple interest-crediting strategies. You have the option to diversify your investment by electing how your premium is allocated among the multiple crediting strategies.

Once interest is credited to your Accumulation Value on each contract anniversary, it is protected. Neither your premium, nor any previously credited amount can be diminished due to movements in the index. Talk with your financial professional about which crediting strategies may be right for you.

The benefits of allocating premium among multiple crediting strategies coupled with downside protection, provides for a safe and smart retirement solution. In comparison, consider the average annualized return over the past five years of fixed index annuities, taxable bond funds and five-year CDs as shown below.

Actual Annualized Returns over the past five years

4.4%Tax Deferred Index Annuities

3.1%Taxable Bond Fund

2.3%Taxable 5 years CD

Index Compendium, November 2015

Tax-deferral maximizes your growth

Not only do you gain exposure to the equity markets, but your savings will grow tax deferred. Tax deferral means you don't pay current income tax on interest credited to your contract, unless you make a withdrawal, and you accumulate savings faster because your interest compounds. Any withdrawals of taxable
amounts will be subject to income tax, and prior to age 59 1/2, will be subject to a 10% IRS tax penalty.